Personalized interactive network with multiple channels coupled to integrated knowledge management system
First Claim
1. A computer-implemented method that personalizes interaction between users and a provider in a multi-channel access provider system and accesses information of a plurality of products or services to provide at least one personalized response, comprising:
- storing in at least one non-transitory computer memory, a database containing user profile information for a plurality of users and instructions pertaining to the users including account information;
accessing the at least one computer memory by a computer processor of a server-based knowledge management system that executes instructions and performs steps including;
interfacing to the server-based knowledge management system comprising at least one server that allows users to interact with a provider over a plurality of different electronic communication channels using a plurality of different remote user access devices;
receiving, using the processor, user requests over a plurality of different inbound electronic access communication channels;
using an access identifier processor that determines specific inbound electronic access communication channels corresponding to specific user requests;
inputting information regarding said user requests to the server-based knowledge management system servicing multiple different inbound electronic access communication channels;
accessing, by the server-based knowledge management system, user profile data corresponding to the user requests from the database storing user profile data of a plurality of different users, the user profile data of the plurality of different users in said database being accessed by the server-based knowledge management system;
retrieving, using the processor, user preferences based on the user profile data for the requesting user;
processing, using the processor, the user requests by the server-based knowledge management system that generates personalized responses in a cross channel environment, at least some of the personalized responses being generated based on (a) context specific content based on the user profile data for the requesting user and (b) outbound electronic delivery communication channel specific formatting based on the requesting user'"'"'s preferences;
identifying capabilities and characteristics of the remote user access devices receiving information through the outbound electronic delivery communication channels; and
delivering, in response to specific user requests, the personalized responses electronically from the server-based knowledge management system to the users over a plurality of different outbound electronic delivery communication channels, the format and type of responses based on the capabilities and characteristics of the remote user access devices identified, where at least one of the outbound electronic delivery communication channels for the specific user is different from the inbound electronic access communication channels for the specific user, and where the inbound electronic access communication channel is through one of (a) an Automated Teller Machine (ATM), a call center with Voice Response Unit (VRU), email, and Internet using a web device or Personal Digital Assistant (PDA) or handset; and
the outbound electronic delivery communication channel is through a different one of (b) an ATM, call center with VRU, email, and Internet using a web device or PDA or handset.
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Abstract
Systems and methods provide for personalizing interaction between a provider using a integrated knowledge management (KM) system that tracks data exchanged between users and the provider over multiple communication channels. User requests to a provider can made via multiple different incoming channels, such as by using ATMs, PDAs, cell phones, computers accessing web sites or other Web Devices, Voice Response Units (VRUs), and others. User requests submitted over these multiple channels are routed into an integrated KM system that services these requests and selects personalized offers and/or personalized content and/or personalized format presentation to be provided to the users.
332 Citations
15 Claims
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1. A computer-implemented method that personalizes interaction between users and a provider in a multi-channel access provider system and accesses information of a plurality of products or services to provide at least one personalized response, comprising:
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storing in at least one non-transitory computer memory, a database containing user profile information for a plurality of users and instructions pertaining to the users including account information; accessing the at least one computer memory by a computer processor of a server-based knowledge management system that executes instructions and performs steps including; interfacing to the server-based knowledge management system comprising at least one server that allows users to interact with a provider over a plurality of different electronic communication channels using a plurality of different remote user access devices; receiving, using the processor, user requests over a plurality of different inbound electronic access communication channels; using an access identifier processor that determines specific inbound electronic access communication channels corresponding to specific user requests; inputting information regarding said user requests to the server-based knowledge management system servicing multiple different inbound electronic access communication channels; accessing, by the server-based knowledge management system, user profile data corresponding to the user requests from the database storing user profile data of a plurality of different users, the user profile data of the plurality of different users in said database being accessed by the server-based knowledge management system; retrieving, using the processor, user preferences based on the user profile data for the requesting user; processing, using the processor, the user requests by the server-based knowledge management system that generates personalized responses in a cross channel environment, at least some of the personalized responses being generated based on (a) context specific content based on the user profile data for the requesting user and (b) outbound electronic delivery communication channel specific formatting based on the requesting user'"'"'s preferences; identifying capabilities and characteristics of the remote user access devices receiving information through the outbound electronic delivery communication channels; and delivering, in response to specific user requests, the personalized responses electronically from the server-based knowledge management system to the users over a plurality of different outbound electronic delivery communication channels, the format and type of responses based on the capabilities and characteristics of the remote user access devices identified, where at least one of the outbound electronic delivery communication channels for the specific user is different from the inbound electronic access communication channels for the specific user, and where the inbound electronic access communication channel is through one of (a) an Automated Teller Machine (ATM), a call center with Voice Response Unit (VRU), email, and Internet using a web device or Personal Digital Assistant (PDA) or handset; and the outbound electronic delivery communication channel is through a different one of (b) an ATM, call center with VRU, email, and Internet using a web device or PDA or handset. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A computer-based system for personalizing interaction between users and a provider in a multi-channel access provider system that accesses information of a plurality of products or services made available by the provider to provide at least one personalized response, comprising:
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at least one non-transitory computer memory storing a database containing user profile information for a plurality of users and instructions; at least one computer processor accessing the computer memory, the computer processor executing the instructions to perform steps including; interfacing to a server-based knowledge management system comprising at least one server that users interact with a provider over a plurality of different electronic communication channels using a plurality of different remote user access devices; receiving user requests over a plurality of different inbound electronic access communication channels; using an access identifier processor that determines specific inbound electronic access communication channels corresponding to specific user requests; inputting information regarding said user requests to the server-based knowledge management system servicing multiple different inbound electronic access communication channels; accessing user profile data corresponding to the user requests from the database storing user profile data of a plurality of different users, the user profile data of the plurality of different users in said database being accessed by the server-based knowledge management system; retrieving user preferences based on the user profile data for the requesting user;
processing the user requests by the server-based knowledge management system that generates personalized responses in a cross channel environment, at least some of the personalized responses being generated based on (a) context specific content based on the user profile data for the requesting user and (b) outbound electronic delivery communications channel specific formatting based on the requesting user'"'"'s preferences;identifying capabilities and characteristics of the remote user access devices receiving information through the outbound electronic deliver}′
communication channels; anddelivering, in response to specific user requests, the personalized responses electronically from the server-based knowledge management system to the users over a plurality of different outbound electronic delivery communication channels, the format and type of responses based on the capabilities and characteristics of the remote user access devices identified, where at least one of the outbound electronic delivery communication channels for the specific user is different from the inbound electronic access communication channels for the specific user, and where the inbound electronic access communication channel is through one of (a) an Automated Teller Machine (ATM), a call center with Voice Response Unit (VRU), email, and Internet using a web device or Personal Digital Assistant (PDA) or handset; and the outbound electronic delivery communication channel is through a different one of (b) an ATM, call center with VRU, email, and Internet using a web device or PDA or handset.
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Specification